This has been bugging me on my current save with Greuther Furth. I'd really love to manage the clubs finances in a better way but it feels impossible. I try to spend wisely or use the youth system so rarely use my transfer of wage budget. I was thinking the other day that i'd love to have an option to, essentially, give that back to the club. Low and behold, a message arrives that says the club are doing exactly that. They take the lot. £25m in transfer budget and the remainder of the £150kpw wage budget. The finances were £10m in the red at this point. They're now £25m in the red. I'm not a mathematician or an accountant but that's not exactly what I had in mind.